(In millions of Rupiah)
Unaudited Audited Unaudited Audited
Mar 31, 2023 Dec 31, 2022 Mar 31, 2023 Dec 31, 2022 ASSETS
1. Cash 19,496,311 21,281,939 19,537,906 21,359,509
2. Placement with Bank Indonesia 125,783,515 120,983,623 127,496,186 122,792,126 3. Placement with other banks 14,995,876 15,813,222 16,678,679 17,453,443 4. Spot and derivative/forward receivables 362,389 100,318 362,768 100,318
5. Securities 267,196,464 243,727,246 279,803,390 255,961,933
6. Securities sold under repurchase agreement (repo) - - 253,495 303,227 7. Claims on securities bought under reverse repo 129,298,735 152,408,798 131,596,032 153,966,411
8. Acceptance receivables 12,971,032 15,515,098 12,971,032 15,515,098
9. Loans and financing 693,664,500 691,141,340 705,961,773 703,562,178
10. Sharia financing - - 7,724,622 7,576,818
11. Equity investment 10,261,404 10,261,404 954,036 956,676
12. Other financial assets 10,413,682 9,844,592 11,656,503 10,913,537
13. Impairment on financial assets -/- (35,302,874) (34,480,718) (36,363,525) (35,462,188) a. Securities (118,813) (161,989) (134,353) (180,268) b. Loans and Sharia financing (34,785,347) (33,892,635) (35,814,315) (34,839,835)
c. Others (398,714) (426,094) (414,857) (442,085)
14. Intangible assets 2,524,349 2,511,297 3,894,180 3,872,186
Accumulated amortization on intangible asset -/- (2,171,679) (2,114,743) (2,368,946) (2,305,066) 15. Fixed assets and equipment 34,782,580 33,403,377 36,186,339 34,780,533
Accumulated depreciation on fixed assets and equipment -/- (10,055,398) (9,512,383) (10,634,243) (10,071,161)
16. Non earning assets 2,141,187 1,570,596 2,294,102 1,725,571
a. Abandoned property 43,080 68,293 63,443 88,655 b. Foreclosed assets 1,983,014 1,482,150 2,115,564 1,616,757 c. Suspense accounts 18,507 13,134 18,509 13,140 d. Interbranch assets 96,586 7,019 96,586 7,019
17. Other assets 12,321,289 10,911,349 13,718,362 11,730,525
TOTAL ASSETS 1,288,683,362 1,283,366,355 1,321,722,691 1,314,731,674
INDIVIDUAL CONSOLIDATED
STATEMENTS OF FINANCIAL POSITION As of March 31, 2023 & December 31, 2022
No. ACCOUNTS
PT BANK CENTRAL ASIA Tbk & Subsidiaries
(In millions of Rupiah) STATEMENTS OF FINANCIAL POSITION
As of March 31, 2023 & December 31, 2022
PT BANK CENTRAL ASIA Tbk & Subsidiaries
Unaudited Audited Unaudited Audited
Mar 31, 2023 Dec 31, 2022 Mar 31, 2023 Dec 31, 2022 LIABILITIES AND EQUITIES
LIABILITIES
1. Current account 318,711,404 321,895,959 320,660,304 323,924,052
2. Saving account 518,814,267 520,387,136 522,673,427 524,013,719
3. Time deposit 184,677,369 181,376,508 195,416,472 191,780,247
4. Electronic money 1,113,025 1,123,551 1,113,025 1,123,551
5. Liabilities to Bank Indonesia 577 577 577 577 6. Liabilities to other banks 7,333,764 8,006,044 7,280,272 7,936,209 7. Spot and derivative/forward liabilities 271,924 383,273 271,924 383,273 8. Liabilities on securities sold under repurchase
agreement (repo) - - 219,862 255,962 9. Acceptance liabilities 7,571,791 9,666,648 7,571,791 9,666,648 10. Issued securities 500,000 500,000 500,000 500,000 11. Loans/financing received 72,224 11,887 1,478,406 1,316,374
12. Margin deposit 271,934 283,817 272,199 284,077
13. Interbranch liabilities 9,121 8,996 9,121 8,996
14. Other liabilities 47,404,578 27,508,089 52,827,673 32,356,334
15. Minority interest - - 166,609 163,049
TOTAL LIABILITIES 1,086,751,978 1,071,152,485 1,110,461,662 1,093,713,068
EQUITIES
16. Paid in capital 1,540,938 1,540,938 1,540,938 1,540,938
a. Capital 5,500,000 5,500,000 11,500,000 11,500,000
b. Unpaid capital -/- (3,959,062) (3,959,062) (9,959,062) (9,959,062) c. Treasury stock -/- - - - - 17. Additional paid in capital 5,711,368 5,711,368 5,548,977 5,548,977
a. Agio 5,711,368 5,711,368 5,711,368 5,711,368
b. Disagio -/- - - - - c. Fund for paid up capital - - - -
d. Others - - (162,391) (162,391)
18. Other comprehensive income 8,753,500 9,061,796 9,336,435 9,667,038
a. Gains 12,065,905 12,374,201 12,639,230 12,969,833
b. Losses -/- (3,312,405) (3,312,405) (3,302,795) (3,302,795)
19. Reserves 3,234,149 2,826,792 3,234,149 2,826,792
a. General reserves 3,234,149 2,826,792 3,234,149 2,826,792
b. Appropriated reserves - - - -
20. Gain/loss 182,691,429 193,072,976 191,600,530 201,434,861
a. Previous years 192,665,619 172,211,209 201,027,504 179,806,772
b. Current Year 10,982,568 39,969,400 11,529,784 40,735,722
c. Dividends paid -/- (20,956,758) (19,107,633) (20,956,758) (19,107,633)
TOTAL EQUITIES 201,931,384 212,213,870 211,261,029 221,018,606
TOTAL LIABILITIES AND EQUITIES 1,288,683,362 1,283,366,355 1,321,722,691 1,314,731,674
No. ACCOUNTS
INDIVIDUAL CONSOLIDATED
(In millions of Rupiah)
Unaudited Unaudited Unaudited Unaudited Mar 31, 2023 Mar 31, 2022 Mar 31, 2023 Mar 31, 2022 OPERATIONAL INCOME AND EXPENSES
A. Interest income and expenses
1. Interest income 19,805,414 15,611,116 21,106,338 16,461,697
2. Interest expenses 2,418,986 1,899,983 2,575,342 1,978,984
Net interest income (expenses) 17,386,428 13,711,133 18,530,996 14,482,713 B. Other operational income and expenses
1. Gains (losses) from increase (decrease) fair value on financial
assets 404,442 (601,960) 406,115 (601,384)
2. Gains (losses) from decrease (increase) fair value on financial
liabilities - - - -
3. Gains (losses) on sale of financial assets 55,206 164,457 66,131 175,818 4. Gains (losses) on spot and derivatives/forward (realised) 125,117 577,882 126,084 578,732 5. Gains (losses) on investment under equity method - - - - 6. Gains (losses) from translation of foreign currency transactions (261,067) 458,958 (258,413) 461,223 7. Dividend income - - - - 8. Commission/provision/fee and administration income 4,241,487 3,945,821 4,253,147 3,977,105
9. Other income 687,863 471,693 1,659,587 1,328,277
10. Addition (reversal) of impairment losses on assets 1,342,149 2,685,675 1,460,234 2,818,055 11. Losses on operational risk 1,458 3,788 1,458 3,805
12. Personnel expenses 4,214,420 3,512,039 4,679,930 3,906,563
13. Promotion expenses 218,255 118,010 291,206 170,547
14. Others expenses 3,353,358 3,071,127 4,231,067 3,641,544
Net Other Operational Income (Expenses) (3,876,592) (4,373,788) (4,411,244) (4,620,743) OPERATIONAL PROFIT (LOSS) 13,509,836 9,337,345 14,119,752 9,861,970 NON OPERATIONAL INCOME AND EXPENSES
1. Gains (losses) on sale of fixed assets and equipment 401 (189) 1,565 (142) 2. Other non operational income (expenses) 15,753 20,359 98,357 91,496
NON OPERATIONAL PROFIT (LOSS) 16,154 20,170 99,922 91,354 CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 13,525,990 9,357,515 14,219,674 9,953,324
Income tax 2,543,422 1,760,000 2,686,774 1,885,576
a. Estimated current year tax 2,211,630 2,065,207 2,351,617 2,190,995 b. Deferred tax income (expenses) (331,792) 305,207 (335,157) 305,419 NET PROFIT (LOSS) AFTER TAX 10,982,568 7,597,515 11,532,900 8,067,748
NET PROFIT (LOSS) OF MINORITY INTEREST 3,116 3,315
OTHER COMPREHENSIVE INCOME
1. Items that will not be reclassified subsequently to profit or loss
a. Revaluation surplus of fixed assets - - - - b. Gains (losses) from actuary benefit program - - - -
c. Others - - - -
2. Items that will be reclassified subsequently to profit or loss
a. Gains (losses) arising from translation of financial statements in
foreign currency - - (27,493) 2,228 b. Gains (losses) from changes in fair value of financial assets-
debt instruments measured through other comprehensive
income (308,296) (1,279,126) (302,666) (1,297,792)
c. Others - - - -
OTHER COMPREHENSIVE INCOME FOR THE PERIOD AFTER
INCOME TAX (308,296) (1,279,126) (330,159) (1,295,564) TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 10,674,272 6,318,389 11,202,741 6,772,184 Net Profit (Loss) Attributable To :
OWNERS OF THE PARENT 10,982,568 7,597,515 11,529,784 8,064,433
NON-CONTROLLING INTEREST 3,116 3,315
NET PROFIT (LOSS) FOR THE PERIOD 10,982,568 7,597,515 11,532,900 8,067,748 Total Comprehensive Profit (Loss) Attributable To :
OWNERS OF THE PARENT 10,674,272 6,318,389 11,199,181 6,769,562
NON-CONTROLLING INTEREST 3,560 2,622
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 10,674,272 6,318,389 11,202,741 6,772,184
DIVIDEND (20,956,758) (14,793,006) (20,956,758) (14,793,006)
EARNINGS PER SHARE (in full amount) 94 65
PT BANK CENTRAL ASIA Tbk & Subsidiaries
No. ACCOUNTS
INDIVIDUAL CONSOLIDATED
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME For the Periods Ended March 31, 2023 & 2022
(In millions of Rupiah)
Unaudited Unaudited Mar 31, 2023 Mar 31, 2022 I. CASH FLOWS FROM OPERATING ACTIVITIES
1. Receipts of interest and sharia income, fees and commissions 26,080,072 21,206,431
2. Other operating income 1,923,416 1,435,955
3. Payments of interest and sharia expenses, fees and commissions (2,504,651) (1,993,050)
4. Payments of post-employment benefits - -
5. (Loss) gain from foreign exchange transactions - net (1,847,449) 759,923
6. Other operating expenses (7,620,484) (5,996,171)
7. Payment of tantiem to Board of Commissioners and Directors (660,000) (493,000) 8. Other increases/decreases affecting cash :
a. Placements with Bank Indonesia and other banks - mature more than
3 (three) months from the date of acquisition (952,626) 4,199,813
b. Financial assets measured at fair value through profit and loss (2,444,499) (2,071,843)
c. Acceptance receivables 2,544,066 (2,356,644)
d. Bills receivable 1,097,315 345,354
e. Securities purchased under agreements to resell 22,370,379 (53,996,356)
f. Loans receivable (4,286,648) 915,039
g. Consumer financing receivables (200,797) (650,646)
h. Finance leases receivables - net (12,837) (5,522)
i. Assets related to sharia transactions (186,275) (427,524)
j. Other assets (3,441,919) (555,616)
k. Deposits from customers 2,036,702 20,959,326
l. Sharia deposits (88,702) 287,724
m. Deposits from other banks (590,680) (2,406,927)
n. Acceptance payables (2,094,857) 2,881,845
o. Accruals and other liabilities (383,021) 1,693,288
p. Temporary syirkah deposits (56,576) (32,257)
Net cash provided by (used in) operating activities before income tax 28,679,929 (16,300,858)
9. Payment of income tax (3,422,959) (2,956,522)
Net cash provided by (used in) operating activities 25,256,970 (19,257,380) II. CASH FLOWS FROM INVESTING ACTIVITIES
1. Proceeds from sales of investment securities 50,000 50,000
2. Acquisition of investment securities (48,582,742) (40,348,452)
3. Proceeds from investment securities that matured during the period 25,248,819 40,224,131 4. Cash dividends received from investment in shares - -
5. Payment for acquisition activities - -
6. Acquisition of fixed assets (1,517,831) (505,056)
7. Acquisition of right of use assets (94,434) (82,714)
8. Proceeds from sale of fixed assets 2,941 425
Net cash provided by (used in) investing activities (24,893,247) (661,666) III. CASH FLOWS FROM FINANCING ACTIVITIES
1. Proceeds from debt securities issued - -
2. Payment of debt securities issued - -
3. Proceeds from borrowings 5,747,783 4,240,302
4. Payment of borrowings (5,566,377) (4,485,324)
5. Proceeds from increase of non-controlling interest - -
6. Payments of cash dividends - -
7. Proceeds from securities sold under repurchase agreements to repurchase 428,883 419,226 8. Payment of securities sold under repurchase agreements to repurchase (453,887) (231,792) Net cash provided by (used in) financing activities 156,402 (57,588) NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 520,125 (19,976,634)
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR 160,422,371 177,268,685
EFFECT OF FOREIGN EXCHANGE RATE FLUCTUATIONS ON CASH AND CASH
EQUIVALENTS 658,773 212,900
CASH AND CASH EQUIVALENTS, END OF PERIOD 161,601,269 157,504,951
IV. CASH AND CASH EQUIVALENTS CONSIST OF :
1. Cash 19,537,906 17,071,566
2. Current accounts with Bank Indonesia 99,785,842 72,868,901
3. Current accounts with other banks 6,024,707 11,759,022
4. Placements with Bank Indonesia and other banks - mature within 3 (three)
months or less from the date of acquisition 36,252,814 55,805,462
Total cash and cash equivalents 161,601,269 157,504,951
V. ADDITIONAL INFORMATION FOR FINANCING ACTIVITIES THAT DO NOT AFFECT CASH :
Provision from retained earnings for final dividends 20,956,758 14,793,006
20,956,758
14,793,006 Total of financing activities that do not affect cash
PT BANK CENTRAL ASIA Tbk & Subsidiaries
CONSOLIDATED STATEMENTS OF CASH FLOWS For the Periods Ended March 31, 2023 & 2022
No. ACCOUNTS
CONSOLIDATED
(In %)
Unaudited Unaudited
Mar 31, 2023 Mar 31, 2022
1. Capital Adequacy Ratio (CAR) 28.86% 23.86%
2. Non performing earning assets and non earning assets
to total earning assets and non earning assets 0.96% 1.11%
3. Non perfoming earning assets to total earning assets 0.83% 1.02%
4. Allowance for impairment on financial assets to earning
assets 3.05% 3.12%
5. Gross NPL 1.76% 2.30%
6. Net NPL 0.57% 0.79%
7. Return on Asset (ROA) 1) 4.20% 3.06%
8. Return on Asset (ROA) 2) 3.41% 2.48%
9. Return on Equity (ROE) 22.28% 16.80%
10. Net Interest Margin (NIM) 5.59% 4.92%
11. Operating Expenses to Operating Income (BOPO) 48.16% 56.73%
12. Cost to Income Ratio (CIR) 35.15% 35.80%
13. Loan to Deposit Ratio (LDR) 65.61% 60.54%
Compliance
1. a. Percentage Violation of Legal Lending Limit
i. Related parties 0.00% 0.00%
ii. Non related parties 0.00% 0.00%
b. Percentage Lending in excess of Legal Lending Limit
i. Related Parties 0.00% 0.00%
ii. Non related parties 0.00% 0.00%
2. Reserve Requirement
a. Primary Reserve Requirement (Rupiah)
- Daily 0.00% 0.00%
- Average 7.32% 4.33%
b. Reserve Requirement (Foreign currencies) - daily 2.00% 2.00%
3. Net Open Position 0.07% 0.11%
1) 2)
Jahja Setiaatmadja President Director
PT BANK CENTRAL ASIA Tbk
FINANCIAL RATIOS CALCULATIONAs of March 31, 2023 & 2022
Ratio
Jakarta, April 27, 2023 PT BANK CENTRAL ASIA Tbk Performance Ratio
S.E & O
Vera Eve Lim Director
Calculation using profit before tax divided by average total assets.
Calculation using profit after tax divided by average total assets.
(In millions of Rupiah)
C SM S D L Total C SM S D L Total
I. RELATED PARTIES 1. Placement with other banks
a. Rupiah 100 - - - - 100 100 - - - - 100 b. Foreign currencies - - - - - - - - - - - - 2. Spot and derivative/forward receivables
a. Rupiah - - - - - - 1 - - - - 1 b. Foreign currencies - - - - - - - - - - - - 3. Securities
a. Rupiah 50,370 - - - - 50,370 51,625 - - - - 51,625 b. Foreign currencies - - - - - - - - - - - - 4. Securities sold under repurchase agreement (repo)
a. Rupiah - - - - - - - - - - - - b. Foreign currencies - - - - - - - - - - - - 5. Claims on securities bought under reverse repo
a. Rupiah - - - - - - - - - - - - b. Foreign currencies - - - - - - - - - - - - 6. Acceptance receivables - - - - - - - - - - - - 7. Loans and financing
a. Micro, small and medium enterprises (UMKM) 35,171 - - - - 35,171 16,590 - - - - 16,590 i. Rupiah 35,171 - - - - 35,171 16,590 - - - - 16,590 ii. Foreign currencies - - - - - - - - - - - - b. Non micro, small and medium enterprises 7,295,464 567 - - - 7,296,031 10,502,259 316 - - - 10,502,575
i. Rupiah 7,180,833 567 - - - 7,181,400 10,502,259 316 - - - 10,502,575 ii. Foreign currencies 114,631 - - - - 114,631 - - - - - - c. Restructured loans - - - - - - - - - - - - i. Rupiah - - - - - - - - - - - - ii. Foreign currencies - - - - - - - - - - - - 8. Equity investment 9,721,044 - - - 1,000 9,722,044 9,653,544 - - - 1,000 9,654,544 9. Other receivables 26,202 - - - - 26,202 19,427 - - - - 19,427 10. Commitments and contingencies
a. Rupiah 5,549,521 446 - - - 5,549,967 3,621,602 278 - - - 3,621,880 b. Foreign currencies 324,069 - - - - 324,069 44,040 - - - - 44,040
PT BANK CENTRAL ASIA Tbk
EARNING ASSETS QUALITY AND OTHER INFORMATION As of March 31, 2023 & 2022
No. ACCOUNTS
INDIVIDUAL
March 31, 2023 (Unaudited) March 31, 2022 (Unaudited)
(In millions of Rupiah)
C SM S D L Total C SM S D L Total
PT BANK CENTRAL ASIA Tbk
EARNING ASSETS QUALITY AND OTHER INFORMATION As of March 31, 2023 & 2022
No. ACCOUNTS
INDIVIDUAL
March 31, 2023 (Unaudited) March 31, 2022 (Unaudited)
II. NON RELATED PARTIES 1. Placement with other banks
a. Rupiah 2,680,260 - - - - 2,680,260 2,128,858 - - - - 2,128,858 b. Foreign currencies 12,315,516 - - - - 12,315,516 26,111,528 - - - - 26,111,528 2. Spot and derivative/forward receivables
a. Rupiah 358,061 - - - - 358,061 753,682 - - - - 753,682 b. Foreign currencies 4,328 - - - - 4,328 6,844 - - - - 6,844 3. Securities
a. Rupiah 252,885,974 - - - 100,000 252,985,974 185,978,392 - - - 100,000 186,078,392 b. Foreign currencies 14,160,120 - - - - 14,160,120 37,684,080 - - - 2,956 37,687,036 4. Securities sold under repurchase agreement (repo)
a. Rupiah - - - - - - - - - - - - b. Foreign currencies - - - - - - - - - - - - 5. Claims on securities bought under reverse repo
a. Rupiah 129,298,735 - - - - 129,298,735 197,783,564 - - - - 197,783,564 b. Foreign currencies - - - - - - - - - - - - 6. Acceptance receivables 12,734,521 34,541 - 5,396 196,574 12,971,032 13,651,081 26,887 - 2,211 136,779 13,816,958 7. Loans and financing
a. Micro, small and medium enterprises (UMKM) 100,048,290 2,919,619 230,729 326,892 1,394,644 104,920,174 85,102,110 2,206,853 221,720 269,678 1,385,919 89,186,280 i. Rupiah 99,416,820 2,919,619 230,729 326,892 1,378,004 104,272,064 84,612,479 2,206,853 221,720 269,678 1,370,002 88,680,732 ii. Foreign currencies 631,470 - - - 16,640 648,110 489,631 - - - 15,917 505,548 b. Non micro, small and medium enterprises 560,332,260 10,843,950 1,418,161 5,281,690 3,537,063 581,413,124 497,449,723 10,301,410 1,350,299 4,350,927 6,693,903 520,146,262 i. Rupiah 524,750,688 10,425,829 1,034,160 2,641,573 2,773,977 541,626,227 466,684,303 9,899,689 1,066,418 1,803,779 5,992,235 485,446,424 ii. Foreign currencies 35,581,572 418,121 384,001 2,640,117 763,086 39,786,897 30,765,420 401,721 283,881 2,547,148 701,668 34,699,838 c. Restructured loans 40,087,544 7,167,431 1,300,887 5,276,445 3,590,305 57,422,612 58,607,557 8,447,192 1,298,657 4,322,193 4,703,858 77,379,457 i. Rupiah 38,106,341 6,824,100 916,886 2,636,328 2,812,272 51,295,927 56,484,342 8,081,414 1,014,776 1,775,045 3,987,866 71,343,443 ii. Foreign currencies 1,981,203 343,331 384,001 2,640,117 778,033 6,126,685 2,123,215 365,778 283,881 2,547,148 715,992 6,036,014 8. Equity investment 538,590 - - - 770 539,360 538,590 - 250 - 520 539,360 9. Other receivables 6,629 - - - - 6,629 118,781 - - - 3,800 122,581 10. Commitments and contingencies
a. Rupiah 306,809,715 1,057,657 2,201 500 34,531 307,904,604 265,803,961 890,932 11,200 13,851 18,778 266,738,722 b. Foreign currencies 50,887,915 36,530 - 137 34,106 50,958,688 34,993,516 28,353 - 14,054 88,316 35,124,239 III. OTHER INFORMATION
1. Value of bank's assets pledge as collateral :
a. To Bank Indonesia - -
b. To Other Parties - -
2. Foreclosed assets 1,983,014 1,399,378
(In millions of Rupiah)
Individual Consolidated Individual Consolidated
I. Tier 1 Capital 186,319,396 202,438,836 171,967,662 187,400,411
1. Common Equity Tier 1 186,319,396 202,438,836 171,967,662 187,400,411
1.1. Paid-in Capital (After the deduction of treasury stock) 1,540,938 1,540,938 1,540,938 1,540,938
1.2. Disclosed Reserves 201,698,734 210,458,931 186,303,404 194,388,697
1.2.1. Addition Factor 203,722,654 212,573,224 187,720,612 195,820,815
1.2.1.1. Other comprehensive income 12,085,708 12,624,719 14,200,936 14,713,150
1.2.1.1.1. Translation of financial statements in foreign currency - 402,875 - 379,888
1.2.1.1.2. Unrealized gain on financial assets measured through other comprehensive income 1,506,485 1,508,998 4,777,195 4,811,819
1.2.1.1.3. Revaluation surplus of fixed assets 10,579,223 10,712,846 9,423,741 9,521,443
1.2.1.2. Other disclosed reserves 191,636,946 199,948,505 173,519,676 181,107,665
1.2.1.2.1. Agio 5,711,368 5,711,368 5,711,368 5,711,368
1.2.1.2.2. General Reserves 3,234,149 3,234,149 2,826,792 2,826,792
1.2.1.2.3. Previous year's profit 171,708,861 179,508,627 157,384,001 164,520,365
1.2.1.2.4. Current year's profit 10,982,568 11,494,361 7,597,515 8,049,140
1.2.1.2.5. Fund for paid-in capital - - - -
1.2.1.2.6. Others - - - -
1.2.2. Deduction Factor (2,023,920) (2,114,293) (1,417,208) (1,432,118)
1.2.2.1. Other comprehensive income (19,804) (19,804) - -
1.2.2.1.1. Translation of financial statements in foreign currency - - - -
1.2.2.1.2. Unrealized loss on financial assets measured through other comprehensive account (19,804) (19,804) - -
1.2.2.2. Other disclosed reserves (2,004,116) (2,094,489) (1,417,208) (1,432,118)
1.2.2.2.1. Disagio - - - -
1.2.2.2.2. Previous year's losses - (61,857) - -
1.2.2.2.3. Current year's losses - - - -
1.2.2.2.4. Difference between allowance for possible losses and allowance for impairment losses on earning assets - - - - 1.2.2.2.5. Difference on the total of fair value adjustment from financial instruments in trading book - - - -
1.2.2.2.6. Allowance for losses on non productive assets required to be provided (2,004,116) (2,032,632) (1,417,208) (1,432,118)
1.2.2.2.7. Others - - - -
1.3. Non-controlling interest - -
1.4. Deduction Factor of Common Equity Tier 1 (16,920,276) (9,561,033) (15,876,680) (8,529,224)
1.4.1. Deferred tax (6,846,562) (6,968,686) (5,866,500) (6,046,607)
1.4.2. Goodwill (1,113,614) (1,113,614)
1.4.3. Other intangible assets (352,670) (391,022) (356,636) (387,082)
1.4.4. Investments in shares of stock (9,721,044) (1,087,711) (9,653,544) (981,921)
1.4.5. Shortage of capital on insurance subsidiary company - -
1.4.6. Securitisation Exposure - - - -
1.4.7. Other deduction factor of common equity tier 1 - - - -
1.4.7.1. Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 1 and tier 2 - - - - 1.4.7.2. Cross ownership of other entities obtained due to transfer because of law, grant, or bequest - - - -
1.4.7.3. Exposures of settlement risk - Non Delivery Versus Payment - - - -
1.4.7.4. Exposures in subsidiary company that carry out business activities based on sharia principles - -
2. Additional Tier 1 Capital - - - -
2.1. Instruments issued by the bank that meet the criteria for inclusion in additional tier 1 capital - - - -
2.2. Agio / Disagio - - - -
2.3. Deduction factor - - - -
2.3.1. Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 1 and tier 2 - - - - 2.3.2. Cross ownership of other entities obtained due to transfer because of law, grant, or bequest - - - -
II. Tier 2 Capital 7,832,694 8,048,846 7,501,255 7,674,871
1. Instruments issued by the bank that meet the criteria for inclusion in tier 2 capital 268,000 268,000 355,000 355,000
2. Agio / disagio - - - -
3. General allowance for losses on earning assets (max. 1.25% from risk-weighted assets) 7,564,694 7,780,846 7,146,255 7,319,871
4. Deduction Factor of Tier 2 Capital - - - -
4.1. Sinking Fund - - - -
4.2. Investments in Instruments issued by the other bank that meet the criteria for inclusion in additional tier 2 - - - - 4.3. Cross ownership of other entities obtained due to transfer because of law, grant, or bequest - - - -
Total Capital 194,152,090 210,487,682 179,468,917 195,075,282
Individual Consolidated Individual Consolidated Individual Consolidated Individual Consolidated
RISK-WEIGHTED ASSETS (RWAs) CAR RATIO
RWAs CONSIDERING CREDIT RISK 623,642,934 645,775,479 619,164,662 636,228,677 CET 1 Ratio (%) 27.70% 27.85% 22.86% 24.13%
RWAs CONSIDERING MARKET RISK 751,499 2,876,259 2,080,991 3,233,116 Tier 1 Ratio (%) 27.70% 27.85% 22.86% 24.13%
RWAs CONSIDERING OPERATIONAL RISK 48,325,210 78,117,459 130,944,329 137,075,529 Tier 2 Ratio (%) 1.16% 1.11% 1.00% 0.99%
TOTAL RISK-WEIGHTED ASSETS 672,719,643 726,769,197 752,189,982 776,537,322 CAR Ratio (%) 28.86% 28.96% 23.86% 25.12%
Min. capital requirements based on risk profile 9.99% 9.99% 9.99% 9.99% CET 1 FOR BUFFER (%) 18.87% 18.97% 13.87% 15.13%
From CET 1 (%) 8.83% 8.88% 8.99% 9.00% Capital Conservation Buffer (%) 2.500% 2.500% 2.500% 2.500%
From AT 1 (%) 0.00% 0.00% 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000% 0.000% 0.000%
From Tier 2 (%) 1.16% 1.11% 1.00% 0.99% Capital Surcharge For Systemic Bank (%) 2.500% 2.500% 2.500% 2.500%
PT BANK CENTRAL ASIA Tbk & Subsidiaries
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR As of March 31, 2023 & 2022
Unaudited Unaudited
Mar 31, 2023 Mar 31, 2022
Unaudited Unaudited
Mar 31, 2023 Mar 31, 2022 Mar 31, 2023 Mar 31, 2022
REGULATORY MINIMUM CAPITAL REQUIREMENT ALLOCATION BASED ON RISK PROFILE
REGULATORY BUFFER PERCENTAGE REQUIRED BY BANK (%)
Unaudited Unaudited
DESCRIPTION
(In millions of Rupiah) Calculate Allowance for Possible
Losses on Earning Assets
Calculate Allowance for Possible Losses on Earning Assets
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific
1. Placement with other banks 2,682 - - 149,959 - 3,790 - - 282,405 - 2. Spot and derivative/forward receivables - - - 3,624 - - - - 7,605 - 3. Securities 18,813 - 100,000 399,572 100,000 52,190 - 138,324 547,297 102,956
4. Securities sold under repurchase agreement - - -
(repo) - - - - - - - - - -
5. Claims on securities bought under reverse - - -
repo - - - - - - - - - - 6. Acceptance receivables 92,145 28,908 170,390 127,335 200,999 83,156 22,592 116,743 136,511 139,229 7. Loans and financing 12,833,409 13,701,833 8,250,105 6,472,894 4,962,331 12,282,398 13,272,855 9,381,027 5,767,876 6,443,389 8. Equity investment 102,596 - 1,770 102,596 1,770 101,921 - 1,558 101,921 1,558 9. Other receivables 223 - - 328 - 333 - 3,185 1,382 3,801 10. Commitments and Contingencies 3,272,018 176,827 42,735 308,386 115,922 3,082,490 121,938 82,227 301,258 158,358
As of March 31, 2023 & 2022
ALLOWANCE FOR IMPAIRMENTS LOSSES ON EARNINGS ASSETS
March 31, 2022 (Unaudited) PT BANK CENTRAL ASIA Tbk
Allowance for Impairment
No. ACCOUNTS
March 31, 2023 (Unaudited)
Allowance for Impairment
(In millions of Rupiah)
Unaudited Audited Unaudited Audited
Mar 31, 2023 Dec 31, 2022 Mar 31, 2023 Dec 31, 2022 I. COMMITTED RECEIVABLES 14,149,726 11,384,137 19,554,395 16,717,187
1. Unused borrowings/financing facilities - - 5,329,117 5,333,050 2. Foreign currency positions to be received from spot and
derivatives/forward transactions 13,429,230 11,048,683 13,504,782 11,048,683
3. Others 720,496 335,454 720,496 335,454
II. COMMITTED LIABILITIES 372,219,552 355,707,104 373,801,509 356,942,142 1. Unused credit/financing facilities 331,993,126 321,665,351 333,575,083 322,900,389
a. Committed 264,558,254 231,408,127 264,943,964 231,731,863
b. Uncommitted 67,434,872 90,257,224 68,631,119 91,168,526
2. Outstanding irrevocable letters of credit 12,283,718 14,651,885 12,283,718 14,651,885 3. Foreign currency positions to be submitted for spot and
derivatives/forward transactions 27,238,849 18,987,539 27,238,849 18,987,539
4. Others 703,859 402,329 703,859 402,329
III. CONTINGENT RECEIVABLES 222,308 418,870 642,308 838,870 1. Received guarantees 222,308 418,870 642,308 838,870
2. Others - - - -
IV. CONTINGENT LIABILITIES 20,460,484 19,748,189 20,511,000 19,795,126
1. Issued guarantees 20,460,484 19,748,189 20,510,911 19,795,037
2. Others - - 89 89
PT BANK CENTRAL ASIA Tbk & Subsidiaries
No. ACCOUNTS
INDIVIDUAL CONSOLIDATED
STATEMENT OF COMMITMENTS & CONTINGENCIES As of March 31, 2023 & December 31, 2022
(In millions of Rupiah) Notional
Amount Trading Hedging Receivables Payables
A. Related to Exchange Rate 40,668,079 40,668,079 - 362,389 271,924 1. Spot 4,164,661 4,164,661 - 2,725 7,020 2. Forward 16,695,742 16,695,742 - 109,909 88,930 3. Option - - - - -
a. Put - - - - - b. Call - - - - - 4. Future - - - - - 5. Swap 19,807,676 19,807,676 - 249,755 175,974 6. Others - - - - - B. Related to Interest Rate - - - - - 1. Forward - - - - - 2. Option - - - - - a. Put - - - - - b. Call - - - - - 3. Future - - - - - 4. Swap - - - - - 5. Others - - - - - C. Others - - - - -
362,389
271,924 Derivative Receivables and Payables Objectives
TOTAL
PT BANK CENTRAL ASIA Tbk
STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS
No. TRANSACTION
INDIVIDUAL As of March 31, 2023
BOARD OF COMMISSIONERS
- : Djohan Emir Setijoso PT Dwimuria Investama Andalan *) : 54.94%
- : Tonny Kusnadi Public **) : 45.06%
- : Cyrillus Harinowo
- : Raden Pardede Total 100.00%
- : Sumantri Slamet
*) BOARD OF DIRECTORS
- : Jahja Setiaatmadja
- : Armand Wahyudi Hartono **)
- : Gregory Hendra Lembong
- Director : Tan Ho Hien / Subur
or also known as Subur Tan
- : Rudy Susanto
-
: Lianawaty Suwono
- : Santoso
- : Vera Eve Lim
- : Haryanto Tiara Budiman
- : Frengky Chandra Kusuma
- : John Kosasih
- : Antonius Widodo Mulyono
Independent Commissioner
BOARD OF COMMISSIONERS & DIRECTORS BANK'S OWNERS
President Commissioner Commissioner
Independent Commissioner Independent Commissioner
The shareholders of PT Dwimuria Investama Andalan are Mr. Robert Budi Hartono and Mr. Bambang Hartono, therefore the ultimate shareholders of BCA are Mr. Robert Budi Hartono and Mr. Bambang Hartono.
President Director
Deputy President Director In the composition of shares held by the public, 2.49% of the shares are owned by
parties affiliated with PT Dwimuria Investama Andalan.
Deputy President Director
Director Director
The composition of the Board of Commissioners and Board of Directors of the Bank as evident in the Deed of Statement of Resolutions of Shareholders' Meeting of PT Bank Central Asia Tbk No. 33 dated 10 May 2022 drawn up before Christina Dwi Utami, S.H., M.Hum., M.Kn., a Notary of the Municipality of West Jakarta, which notice of amendment of corporate data has been received and recorded in the Corporate Entities Administrative System, Ministry of Law and Human Rights of The Republic of Indonesia, as evident in the letter No. AHU-AH.01.09-0011476 dated 11 May 2022.
Director
Director (concurrently serving as Director in charge of the Compliance Function) Director
Director Director Director
